So, you have a cap on expenses…what is your cap on over-paying claims?
A claims manager once told me, “Indemnity money is hard to prove, and expenses glow in the dark.” I’m sympathetic to that, I get it. But you’re in the risk business. Risk = probability x consequence. Underwriters have projected the probability of loss. Once a loss does occur, it is up to you to reduce the seriousness of the consequence.
When you want to reduce the seriousness, you need a professional claims negotiator who is an expert on the equipment or machinery that is the source of the claim.
email Tom: firstname.lastname@example.org